In 2021, the four biggest health insurance groups in the Netherlands saw their market share decrease in favor of their smaller competitors. Insurance groups are known as "concerns" in the Netherlands. Note that this wording of concern matters a lot for Dutch healthcare. In the Netherlands, there are 11 large health care insurance concerns, each with multiple companies. The concern Achmea, for example, owns the following companies (commonly referred to as zorgverzekeraars: Agis Zorgverzekeringen, Avero Achmea Zorgverzekering, FBTO, Groene Land Interpolis Zorgverzekeringen, OZF Zorgverzekeringen and Zilveren Kruis Zorgverzekeringen. In addition, some of these companies also own multiple health insurance brands or labels. To stick to the example of Achmea, this concern owned six ompanies but also the labels of ZieZo and Pro Life, which belong to Zilveren Kruis. In total, the 11 concerns were responsible for a total of 39 companies or health insurance brands.
In the Netherlands, every resident or employee is obliged to take a basic health insurance to cover medical costs from, for example, visits to a general practitioner or the hospital. The Dutch government decides on the cover provided by this package and health insurance companies are obliged to accept everyone who meets the requirements, regardless of age or state of health. As not all care is covered by this standard insurance, one can opt to take out additional health insurance cover for, for example, physiotherapy and dental care. In 2018, the average annual premium for additional health insurance reached a value of approximately 316 euros per person.
It is allowed in the Netherlands to cancel one's basic health insurance and change insurance companies every year until the 31st of December. When individuals end their contract before the end of December, their contract will end per January 1st. They can then choose a new health insurance company before February 1st. In 2020, the share of individuals who switched health insurance companies reached a value of approximately 6.5 percent.
Market share of health insurance concerns in the Netherlands from 2006 to 2021
The source states that there are nine concerns for health care insurance in the Netherlands. The four biggest concerns each have more than two million people insured, while five smaller ones each have less than one million.
In its calculations, the source assumed the concerns being as they were in 2018, including any take-overs since 2007.
The figures have been taken from several publications.
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Vektis. (April 30, 2021). Market share of health insurance concerns in the Netherlands from 2006 to 2021 [Graph]. In Statista. Retrieved February 01, 2023, from https://www.statista.com/statistics/579188/market-share-of-health-insurance-concerns-in-the-netherlands/
Vektis. "Market share of health insurance concerns in the Netherlands from 2006 to 2021." Chart. April 30, 2021. Statista. Accessed February 01, 2023. https://www.statista.com/statistics/579188/market-share-of-health-insurance-concerns-in-the-netherlands/
Vektis. (2021). Market share of health insurance concerns in the Netherlands from 2006 to 2021. Statista. Statista Inc.. Accessed: February 01, 2023. https://www.statista.com/statistics/579188/market-share-of-health-insurance-concerns-in-the-netherlands/
Vektis. "Market Share of Health Insurance Concerns in The Netherlands from 2006 to 2021." Statista, Statista Inc., 30 Apr 2021, https://www.statista.com/statistics/579188/market-share-of-health-insurance-concerns-in-the-netherlands/
Vektis, Market share of health insurance concerns in the Netherlands from 2006 to 2021 Statista, https://www.statista.com/statistics/579188/market-share-of-health-insurance-concerns-in-the-netherlands/ (last visited February 01, 2023)
Market share of health insurance concerns in the Netherlands from 2006 to 2021 [Graph], Vektis, April 30, 2021. [Online]. Available: https://www.statista.com/statistics/579188/market-share-of-health-insurance-concerns-in-the-netherlands/